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20 lpa for 3yoe capgemini is it safe ?
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What is everyone doing today babes 🧐
When will this be over?
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Whatever you do, do not have two plans for one person. Neither will pay your bills because they’ll constantly be fighting each other.
EXCELLENT question. That’s exactly why I had no idea! Because I wasn’t paying for it anymore! I guess my old company was? Put it all together when the collections notices came and I called my current insurer.
All depends on how your employers subsidize your spouses/family health insurance cost.
Rising Star
It’s all about the $$$$
Probably cheaper for each to be on their own plan with the kid on the cheaper/better coverage option.
First, I would look at the insurance policy you each have. Some employers won’t let you enroll a spouse if said spouse has the ability to get medical insurance coverage through their own employer.
It’s so tough to evaluate. I tried comparing plans for me and my wife and it was very difficult. For example one plan said they covered different percentages for different tier medications. So I took the birth control meds my wife is on and spent time trying to figure out which tier it was in and got different inconclusive answers. Other areas of coverage encountered different hurdles. Obamacare made it so different plans had to provide similar breakdowns to make it easier to compare but it still isn’t easy and you are trying to guess what sort of expenses you might have. My wife’s coverage is free but inferior to my employer healthcare. We opted to decline mine, put everyone and hers and hope for the best. No regrets so far. Consider putting any savings from deferring a plan into a separate account if it helps with budgeting.
Try running the numbers. How much would it cost for you all to be on Plan A, for you all to be on Plan B, and then for each to have their own plan (with one covering the kid). Don’t just look at the per paycheck cost - try to calculate based on your anticipated healthcare costs every year. So, for example, if you know you have an upcoming surgery, take a look at that as an anticipated cost and consider your deductible for each. Don’t forget the prescription drug coverage and costs if you have prescriptions. Also, not to get too specific, but consider any upcoming conditions you might have. For example, my family’s biggest costs right now are fertility treatments, so I had to call my husband’s insurer and mine to determine which company offers the best coverage for fertility costs.
All depends on how much it costs, and your utilization of health care. You could also potentially use one spouses healthcare and and a FSA from another persons account.